Auto coverage at a glance…

Does auto insurance sometimes seem like a foreign language?  Don’t let the terminology discourage you. To help you better understand some of the more common auto policy coverages, here are a few of the most used (but least understood) terms and definitions:

Bodily Injury Liability (BI) – Pays for damages that involve bodily injury to others for which you are responsible under the law.

Property Damage Liability (PD) – Pays for damages to property of others for which you are responsible under the law.

Comprehensive coverage– Pays for loss of or damage to your vehicle from all causes, except collision, subject to your policy deductible.

Collision coverage– Pays for damage to your vehicle that is sustained when you hit something, subject to your policy deductible.

Uninsured Motorist – This coverage allows you to recover bodily injury damages suffered in an accident in which the other party does not have any insurance, but is legally liable.

Underinsured Motorist – This coverage allows you to recover bodily injury damages suffered in an accident in which the other party is legally liable, but does not have adequate liability limits to pay the entire claim.

Auto and Homeowner’s Insurance

AUTOMOBILE INSURANCE

MDA Insurance offers professional, friendly service, outstanding coverage options and incredible group rates on automobile insurance. Your policy will be tailored to satisfy your individual needs and placed only with an “A” rated company. Coverage is available to all dental professionals, dental office staff, friends and family. Call MDA Insurance for solutions to all of your personal insurance needs.

  • MDA group rates available, along with multi-policy discounts;
  • many other discounts available for safe drivers, students away at school and more;
  • choose from a variety of deductibles and enhanced coverage features;
  • enjoy fast, fair and knowledgeable claim service; and
  • our easy, no-hassle application process will save you time.

HOMEOWNER’S INSURANCE

Homeowner’s insurance is available for residential and seasonal homes, rental dwellings, condominiums and for renters. Save money on your homeowner’s coverage through MDA Insurance and local carriers you know and trust, such as Citizens/Hanover, proudly endorsed by the Michigan Dental Association for over 20 years.

  • MDA group rates available, along with multi-policy discounts;
  • coverage written for homes of all values;
  • extended dwelling replacement or guaranteed home replacement cost available;
  • replacement cost coverage on contents; and
  • scheduled riders for jewelry, fine arts, collectibles and other valuable items in your home.

OTHER COVERAGES AVAILABLE

Aside from auto and homeowners programs, MDA Insurance also provides a number of other coverages you may need to fully protect your personal and recreational assets.

  • personal umbrella liability coverage options available up to $5 million;
  • coverage available for RVs, trailers, motorcycles, ATVs and other recreational assets;
  • snowmobile coverage for high performance, touring and utility type snowmobiles;
  • boaters insurance and personal watercraft insurance; and
  • coverage for rental units, mobile homes and antique cars.

Remember, these outstanding programs are available to all dental professionals, dental office staff, friends and family! You’ll enjoy great discounts, professional service and outstanding coverages – all through your Michigan Dental Association.  Give us a call today!

CONTACT US! 

Care for a quote? Call (800) 860-2272 and speak to Jeni Jonckheere (ext 462) or Beth Jackson (ext 443).   If you prefer to request your quote electronically, an online quote form is available by following the link below. Simply complete the questions and click “submit”.  We’ll contact you with your quote!

Submit our online quote form: